Raiffeisenbank Walding-Ottensheim eGen

Raiffeisenbank Walding-Ottensheim eGen is a local cooperative bank within the Raiffeisen Banking Group in Austria, serving customers in Walding, Ottensheim and nearby communities in Upper Austria. It offers retail and small-business banking services including current and savings accounts, payment services, debit and credit cards, consumer and housing loans, and brokerage of investment and insurance products through group companies. Business clients typically access accounts, working-capital and investment financing, guarantees, leasing via affiliated providers, and cash management. Digital access is provided via the group’s Mein ELBA online and mobile banking platform with two-factor authentication and support for SEPA and international payments; cash services are available through ATMs and branch counters. As a registered cooperative (eGen), customers can become members by subscribing cooperative shares; governance follows the member assembly, supervisory board, and management board structure. The bank is subject to supervision by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB) and participates in the statutory deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH), which protects eligible deposits up to EUR 100,000 per depositor per institution; separate investor-compensation rules apply to securities services. Fees and interest conditions are set out in the bank’s price list and product information; account packages, cards, and foreign transactions are charged according to posted tariffs. Customer service is provided in German via branches, telephone, and digital channels, with branch hours and appointment requirements varying by location. The institution uses group infrastructure and partners for IT, payments, securities, insurance distribution and leasing, which can shape product availability, pricing, and processing.